The Optimum Plan is the plan designed for those who expect the best.
Optimum offers the most comprehensive dental care and coverage of all our plans - including most popular cosmetic dental procedures! You value exclusive experiences and timeless elegance, so we designed the Optimum Plan with you in mind by including cost-sharing benefits for professional teeth whitening, teeth bleaching services, and veneers to ensure that your teeth feel and look the best they can.
The Optimum Plan also offers 60% coverage on restorative dental care for procedures such as crowns, root canals, and dental implants, saving you money on major care. Furthermore, with a $100 policy lifetime deductible, you will never have to pay the deductible again once each covered person pays $100 out-of-pocket for treatment (as long as you keep your policy).
If you're ready to take your smile to the next level, the Optimum Plan is for you!
Which plan is right for you? Click on each person below to find out why they chose the Optimum Plan*
*Personas are fictional and only intended to represent possible oral health needs and situations. They are not inclusive of all needs or circumstances.
** Consult with a dentist and check dental benefit coverage for cosmetic dental procedures.
Plan Features per benefit yearii
Monthly Premium
Eastern/Western WA |
Plan Year Maximum
|
Shared Maximum Benefit
|
Individual Starting Rateii
$76.10 / $87.40 |
$5000 per person |
None |
Deductible
|
Office Visit Copay
|
Preventive Care
Cleanings, exams, x-rays, and fluoride |
| $100 Policy Lifetime |
None |
100% |
| Fillings |
Crowns |
Root Canal |
| 80% |
60%v |
60% |
| & and Implants |
Periodontal Maintenance
One per six months |
Orthodontics |
| 60% |
60%viii
Three per benefit year |
Not covered |
| Cosmetic |
Annual Contract |
Waiting Periods |
| 50% |
Yes |
May Apply |
Compare to Similar Plans
| |
This Plan |
|
|
| |
Optimum Plan* |
Premium Plan |
Plus Ortho Plan |
| Description |
NEW for 2025. Cost-sharing for cosmetic teeth whitening and veneers. Highest maximum and coverage on major procedures. |
High maximum, three periodontal maintenance cleanings, and policy lifetime deductible. |
Orthodontic benefits such as braces and aligners installed by DMD or DDS. |
Monthly Premium
Eastern WA |
$76.10ii |
$64.65ii |
$58.80ii |
Monthly Premium
Western WA |
$87.40ii |
$74.25ii |
$67.55ii |
Plan Year Maximum
per person |
$5000 |
$2000 |
$1500 |
| Shared Maximum Benefit |
None |
None |
$250 per person up to $1250 |
| Deductible |
$100
Policy Lifetime |
$100
Policy Lifetime |
$50 |
| Office Visit Copay |
None |
None |
None |
Preventive Care
Cleanings, exams, x-rays, and fluoride |
100% |
100% |
100% |
| Fillings |
80%viii |
80% |
50% |
| Crowns |
60%v |
50%v |
50%v |
| Root Canal |
60% |
50% |
50% |
| Implants |
60% |
50% |
50% |
|
60% |
50% |
50% |
|
60% |
50% |
50% |
| Periodontal Maintenance |
60%viii
Three per benefit year |
50%viii
Three per benefit year |
50%
One every six months |
| Orthodontics |
Not Covered |
Not Covered |
50%ix |
| Cosmetics |
50%x |
Not Covered |
Not Covered |
| Annual Contract |
Yes |
Yes |
Yes |
| Waiting Periods |
May Apply |
May Apply |
May Applyxi |
*Optimum Plan effective dates as early as January 1, 2025
i. These are benefit highlights only. Monthly premiums shown are examples of monthly rates for subscriber-only in Washington, effective January 2025. Actual rates may vary (higher or lower) based on plan effective date, plan choice, your age, your location, number of people insured, their age, and relationship to you. For full details of plan, benefits, and pricing, please visit DeltaDentalCoversMe.com.
ii. Individual 12-month contracted rate.
iii. Individual 12-month contracted rate for ages 26-50. Actual rate may be higher or lower depending on age.
iv. Excludes back teeth tooth-colored fillings.
v. A Pretreament Estimate is suggested. Clinical requirements must be met, crowns covered at 50% per tooth every seven years. Crowns covered at 60% per tooth every seven years under the Delta Dental - Optimum Plan.
vi. A Pretreament Estimate is suggested. Clinical requirements must be met, 1 crown per person per 12-month policy period. 1 implant per person per 12-month policy period.
vii. 2 teeth in 12 months after purchase or renewal, once per tooth every two years after.
viii. No waiting period.
ix. $1500 lifetime maximum with 12-month waiting period.
x. Includes teeth whitening/bleaching and veneers.
xi. For Orthodontia covered procedures, a 12-month waiting period applies. This means that DDWA will not pay towards any of these procedures until the covered members have been enrolled in this policy for 12 continuous months. The waiting period for Orthodontia treatment will be waived for your family if all family members were covered under another insured dental plan with orthodontic coverage for at least 12 continuous months before you enrolled in this plan, but only if there was no more than a 63-day gap between the previous plan and this plan. Documentation is required to waive the 12-month waiting period.
